We're looking for an Associate - Asset Based Finance to join our world-class team

Be a part of the work we do to enable progress around the globe

For the past 200 years at Citi, we have a drive to help clients move from ambition to achievement. Our company has been one of the foundational components of today's modern financial infrastructure-this gives us a level of unmatched expertise in tackling the world's most complex challenges and connecting across capabilities to enable lasting progress for our clients.

We attract and nurture local talent from all over the world, ensuring our people are both deeply attuned to regional needs but also bring a global mindset to help clients, communities and nations move forward. Our culture is fueled by men and women with the passion to push beyond borders and boundaries, and the wisdom and courage to do what's right.

Citi's Commercial Bank embodies our unique purpose as the global bank of choice for trade-oriented, mid-sized companies who see us as trusted thought partners that bring simplicity in an increasingly complex world, client-centric solutions for long-term growth and pave the way for them to reach across borders and achieve their global vision.

Did you know...

That Citi helped devise a plan and funded The Public Lighting Authority of Detroit to re-illuminate the city? See what else we've achieved to enable progress for our clients: citi.com/history.

Successful candidate should demonstrate the following behaviors

Develops our People: Builds talent and teams for Citi by creating a culture of meritocracy and transparency, and celebrating excellence, initiative and courage

Drives Value for Clients: Enables economic value and positive social impact for clients, companies, governments, and communities

Works as a Partner: Works collaboratively across the firm and encourages others to achieve the best results for Citi and our clients

Champions Progress: Champions a culture of high standards, pushes for progress, embraces change and challenges the status quo in support of Citi's vision and global strategy

Lives our Values: Ensures systematically responsible outcomes while driving performance and balancing short and long term risks

Delivers Results: Sets high standards and achieves performance objectives by creating a clear path toward ethical and sustainable results

The Associate - Asset Based Finance Origination assists Senior Transactors in originating, structuring, and executing debt solutions for our Commercial Banking Clients. Based in New York, the ideal candidate will:

• Support new asset-based deal opportunities with an analysis of capital structure, borrowing base, credit profile, market comparables, and industry research
• Develop targeted prospecting lists; join Senior Transactors in client and prospect meetings to develop and sustain enduring relationships
• Assist in the creation of pitch materials; screen opportunities; propose appropriate structures; work alongside Underwriting to green light transactions; draft and negotiate term sheets with clients (interfacing with legal counsel); work with underwriting partners to help shepherd internal approvals; negotiate legal documentation and manage an efficient closing process
• Interface with banker coverage and other partners to coordinate execution of transactions and to effectively meet deal timelines
• Exhibit business and credit judgment as well as to provide balanced assessments in working with internal team members and partners
• Maintain a strong attention to detail and complete work in assigned timeframes.

Requirements:

• A minimum of 2-3 years of experience in Asset Based Finance
• Bachelor's degree

Skills:

• Strong financial, analytic, and credit skills
• Experience in working with complex capital structures
• Team player, able to facilitate strong partnerships
• Excellent written and presentation skills

Job Family Group:
Commercial and Business Sales

Job Family:
Commercial Product Sales

Time Type:
Full time

Primary Location:
New York New York United States

Primary Location Full Time Salary Range:
$109,120.00 - $163,680.00

In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Most Relevant Skills
Please see the requirements listed above.

Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.

Anticipated Posting Close Date:
Apr 01, 2026

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi's EEO Policy Statement and the Know Your Rights poster.